Sage Accumulator FIA offers downside protection and growth opportunities via interest crediting strategies linked to the S&P 500® Index, three iShares® ETFs from BlackRock or a Declared Rate for 5, 7, or 10 contract years.

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Transparent,
documented historical
performance

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Required minimum
distributions in
all years1

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Penalty-free
withdrawals beginning
contract year two2

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Surrender charge waivers
for terminal illness or
nursing home confinement3

View interest crediting strategies

  • 15 days to 90 years (owner and annuitant)
  • Minimum premiums: $25,000
  • High band: $75,000+

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Crediting Strategies

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About Us

1In the first contract year, the owner may elect to withdraw penalty free an amount up to the contract’s full required minimum distribution (RMD) amount that Sagicor has calculated for the applicable calendar year; and in each contract year after the first, the RMD amount that is available for the owner to elect to withdraw penalty free in that contract year is equal to the contract’s RMD amount that Sagicor has calculated for the applicable calendar year less any amount that in that contract year the owner has already withdrawn penalty free. In each contract year, the total RMD amount that the owner has elected to withdraw penalty free during that contract year will reduce by an equal amount the amount that is available to the owner during that contract year to otherwise withdraw penalty free.

2Withdrawals prior to age 59½ may be subject to ordinary income tax and a 10.00% IRS tax penalty.

3Not long-term care insurance. Please see the contract to review qualification specifications.